Kenneth Parsons, Medicare Insurance Agent
Kenneth Parsons
Senior Health Resource Center
Medicare Agent Licensed in NM, AZ and TX
Contact Details
-
Location
Albuquerque, NM
-
Phone
Kenneth Can Help With:
About Me
My name is Kenny Parsons I served in the Navy for 4 years. I have 5 children ranging from 17-30 and 2 grandchildren. I have been helping people with their Medicare benefits now for 12 years. I was a soccer coach, a baseball coach, i like to fish, ride 4 wheelers, camp, go to sports games, look at the stars in a dark sky and I attend Church. I will always do what's best for my customers.
Q&A with Kenneth Parsons
Answer:
Most people don't say Medicare Advantage plans are bad. Medicare advantage plans are designed to keep you healthy, live longer and stay active. One of the complaints is a few things.
1. MAPD plans are not accepted by specialty places like MAYO clinic, original Medicare is accepted.
2. There are network rules, original Medicare does not.
3. Many MAPD plans require a referral to see a specialist. Original Medicare does not.
They are not bad. They are good. They come with many benefits that original Medicare does not.
Answer: Yes Medicare covers these are covered by part D under specialty drugs typically. May require step therapy and prior authorization to get these. For 2026 the Max out of pocket for drugs is 2100.
Answer:
I would not recommend cancelling your Medicare coverage. You are entitled to PART A and enrolled in PART B. If you cancel PART B you may lose your MAPD plan. Part B covers Doctor visits.
If you are asking how do you cancel your MAPD plan and go back to original Medicare then you must wait for the disenrollment period with is during OEP January 1 thru March 31. During this time you can drop your MA plan and go back to original Medicare.
Answer: Most likely you will not need to pay the premium when you turn 65 assuming you qualify for the Medicare savings program or Medicaid. You will need to re-apply for assistance when you get a few months away from turning 65. I can help.
Answer:
Pros zero montly premium, tax free money. Does not expire. No network restrictions
Cons . High deductible, no drug coverage, Medicare's annual deposit doesn't cover the full deductible.
Answer: MSA and HSA both have high deductibles. MSA is tied to a part C. HSA is for people under 65 in a High deductible plan. MSA is funded by Medicare. HSA is funded by the individual or the company that the individual works for.
Answer: If your MSA funds run out then you pay 100% of the Medicare costs until one reaches their deductible. Once they reach their deductible, they pay nothing for the remainder of the year. In January the plan starts over and the deductible requirement also starts over.
Answer: A Medical savings account is type of MA plan. This MA plan has a High deductible plan tied with a bank account that Medicare funds. Medicare deposits a set amount of money to be used for paying 100% of healthcare until one reaches the deductible.
Answer: Hello, its best if you have original Medicare with a supplement plan also known as a Medigap plan. Clinical trials are typically not covered by Medicare.
Answer: A Medicare agent will review your current plan with you at no charge. They can check your benefits and try to determine whether or not you qualify for more benefits.
Answer:
You can try to get help from your State paying your Part B premium. If you do not qualify to get your Part B premium paid, then you can look at a Medicare plan that pays part of your PART B premium.
Kenny
Contact me.